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Deposit Rates

Ask about our relationship reward rate bumps for Certificates!

Savings

SAVINGS ACCOUNTS
Effective Date: May 1, 2025
TYPEDIVIDEND RATEAPY*
Regular Primary Share 0.10% 0.10%
Star Savings 0.10% 0.10%
Christmas Club
(Max Bal. $5,000- auto deposits required)
1.50% 1.50%
Health Savings Account 0.10% 0.10%
Escrow Savings 0.00% 0.00%

GOLD STAR MONEY MARKET
Effective Date: May 1, 2025
TIERSDIVIDEND RATEAPY*
$0.00 - $2,500.00
(Paid when account balance is over $2500)
0.70% 0.70%
$2,500.01 - $25,000.00 0.75% 0.70 - 0.75%
$25,000.01 - $50,000.00 0.80% 0.75 - 0.77%
$50,000.01 - $100,000.00 1.00% 0.77 - 0.89%
$100,000.01 - $250,000.00 1.05% 0.89 - 0.98%
$250,000.01 - $500,000.00 1.15% 0.98 - 1.07%
$500,000.01 - ^ 1.60% 1.07 - 1.60%

IRA SAVINGS
Effective Date: May 1, 2025
TYPEDIVIDEND RATEAPY*
TRADITIONAL 0.25% 0.25%
ROTH 0.25% 0.25%
EDUCATION 0.25% 0.25%

 

Checking

PAYMENT ACCOUNTS
Effective Date: May 1, 2025
TYPEDIVIDEND RATEAPY*
STAR+ ($2,500 min balance to earn dividends) 0.00% 0.00%
STARReward Dividend Rate (if qualifications are met) 2.95% 2.99%
STAR (& S81 NON-TRUNCATED) 0.00% 0.00%
RISING STAR 0.00% 0.00%

 

Share Certificates

STANDARD CERTIFICATES
Effective Date: May 1, 2025
TERMDIVIDEND RATEAPY*MIN $
3 Month 2.98% 3.00% $500.00
6 Month 3.47% 3.50% $500.00
12 Month 3.72% 3.75% $500.00
24 Month 3.08% 3.10% $500.00
48 Month 3.22% 3.25% $500.00
60 Month** 3.47% 3.50% $500.00
**60M allows 1-time rate bump after 18 months

IRA CERTIFICATES (TRADITIONAL, ROTH & COVERDELL)
Effective Date: May 1, 2025
TERMDIVIDEND RATEAPY*MIN $
12 MONTH 3.81% 3.85% $500.00
24 MONTH 3.17% 3.20% $500.00
48 MONTH 3.32% 3.35% $500.00
60 MONTH 3.57% 3.60% $500.00

SPECIALTY CERTIFICATES
Effective Date: May 1, 2025
TERMDIVIDEND RATEAPY*MIN $
Smart Start - 15 Month 4.94% 5.00% $100.00

15M Allows add-ons & withdrawals Min +/- $100

MAXIMUM DEPOSIT OF $10,000.00, LIMIT ONE PER MEMBER

Step Up - 37 Month 3.22% 3.25% $500.00
37M Allows add-ons ($1000+) & 1-time rate bump after 18 months

 

*APY = Annual Percentage Yield. Rates are variable and subject to change. Early withdrawal penalties apply to certificate accounts. Please refer to the Truth in Savings disclosure for full details.